Business Gold Credit Card

• Credit limit of EUR 1000 – 32 000.
• There is an interest-free period of up to 40 days (from the purchase until the payment date) when paying by card.
• An extensive travel insurance package, which applies to the card holder and 3 colleagues travelling with him/her.
• Access to hundreds of airports lounges with LoungeKey™
• Boingo Wi-Fi for Mastercard® cardholders*
• Unique Mastercard World Elite offers.

• Transfer money and withdraw cash directly from credit limit account. For a credit transfer or cash withdraw interest is calculated from the transaction date.
• Cash depositing to credit card account available at „Swedbank” ATM’s.
• Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card.
• Pay for your purchases easily with contactless payments! Add Business Gold credit card to Apple Pay, Garmin Pay or Fitbit Pay solution, or use Swedbank app to tap your Android phone.
• Contactless payments with card up to EUR 50 without PIN entry.
• In order to pay with the card online you must activate Secure Internet Shopping.

Activate Secure Internet Shopping

• The same credit limit can be used by several users, if you set each of them personal purchase and cash transaction limits.
• By adjusting the user rights settings you can allow or disable various card transactions like payments, withdrawals, deposits, contactless functionality and account statement or balance requests.
• User rights and limits can be changed by the legal representative of the company who, according to the commercial register, is authorised to represent the company alone, by using Smart-ID, Mobile-ID, ID-card or digital ID.

• Card purchases have an interest free period of up to 40 days. Calculation will start from the time of purchase until the 1st date of the following month. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.
• Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card. Interest starts to accrue if the current account lacks funds for automatic repayment of the whole amount used.
• Optionally, you can pay additional own funds into the credit card account to increase the limit available on the card, or repay the outstanding limit at any time.
• In order to obtain complete information about the transactions, one must take account of the statuses assigned to each type of transaction. Details of all transactions already debited are available in the credit card’s account statement, whereas purchases that have the interest-free period are in the list of the same account’s reservations.

• If you suspect you have lost your card, you can temporarily disable it through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.
• If a bank card is stolen, it must be closed immediately. You could do it by calling our business client consultation center on 6 132 222.
• If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour Visa help centre +1 410 581 9994.

In case of a new credit card, the PIN is issued in a separate envelope when you collect it at branch.

Renewed cards will have their former PIN.

If you would like to secure PIN then you can change it in Swedbank ATMs in Estonia.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

• If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
• If you block your PIN in ATM or can’t remember the PIN, you need to order the new card.

You can dispute a card transaction sending the bank message, call to consultation center 6 132 222 or turn to nearest branch if:

• you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider;
• an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.

• Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
• COVID-19 cover.
• Lost or stolen luggage.
• Injuries while traveling (incl. skiing, swimming pool accidents etc.).
• Need of legal assistance.
• Trip cancellation due to illness.
• And other situations.

The credit card includes free extensive travel insurance package, which applies to the card holder as well as 3 colleagues travelling with him/her across the whole world.

The sums insured apply for all insurance cases, regardless of how many times they occur during the trip.

The travel insurance is provided by Swedbank P&C Insurance AS branch in Estonia.

• Terms and conditions of travel insurance
• Frequently asked questions about COVID-19 insurance cover
• Travel insurance product information document

• Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
• Make sure that you as a cardholder always know where your payment card is.
• If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
• Always check the transaction amount that you approve with the card.
• Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
• It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
• Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.

• When a cardholder gets a new card, they will also receive a PIN that is known only to them. Renewed cards will keep their former PIN.
• Do not tell or show the PIN to anyone, not even to bank employees.
• Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
• For payment approval, try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
• If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, the cardholder must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
• Do not use identical PIN codes for different cards for the ease of memorising them.

• If a bank card is lost or stolen, it must be closed immediately. This can be done on the Business Internet Banking site, the mobile app or by calling our business client consultation centre on 6 132 222. For security reasons, we advise cardholders to keep Swedbank's phone number in their phone's memory.
• If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged) or VISA card 24h international assistance line on +1 410 581 9994 (charged).